Catalyzing a Shared Sustainable Future Branding - Focus on Service Excellence, Positivity & Growth...

Catalyzing a Shared Sustainable Future

Namita Vikas,President & Chief Sustainability Officer

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� YES BANK - Outcome of Professional

Entrepreneurship of Dr. Rana Kapoor

the Founder, Managing Director & CEO

and highly competent top management

team

� Only ‘Greenfield’ private sector bank

� Emerged as a Full Service Commercial

Bank - 4th Largest Private Sector bank

� Highest Standards of Governance &

Management Framework

Branding - Focus on Service Excellence, Positivity & Growth

Empowering Business through Professional Entrepreneurship

YES BANK: The journey so far…

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Vision

To be recognized as the Best Quality Bank of the world in India by 2015

• To provide a Consistent Superior Banking Experience to all its customers

• To be a long term partner with all stakeholders particularly customers by creating & sharing value

• To be a solid and trusted financial trust mark led by an exceptional top/senior management team

• To build the “Professional’s Bank of India”



Vision to become “THE BEST QUALITY BANK OF THE WORLD IN INDIA”4

900 Branches

12,750 employees“The Professionals’ Bank

of India”

Advances–$ 16.69 billion* Deposit base–$20.86

billion*

2,000 ATMs

Balance Sheet–$25.03 billion*

Target RoE : 22- 24%Target RoA : 1.5 – 1.75%

March 2013- On the road to Version 2.0 - 2015

7,024 employees*

*-Stock take 31st March 2013

951 ATMs*

$11.18 billion*$16.69 billion*

$7.84 billion *

430 Branches*

24.8 % *1.5 % *

Version 2.0

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Vision

To be recognized as the Best Quality Bank of the world in India by 2015

• To provide a Consistent Superior Banking Experience to all its customers

• To be a long term partner with all stakeholders particularly customers by creating & sharing value

• To be a solid and trusted financial trust mark led by an exceptional top/senior management team

• To build the “Professional’s Bank of India”



A Differentiated Approach

�Professional EntrepreneurshipOwner–Manager–Partner Model

�Customer Centric ApproachSuperior structuring capabilities leading to client focused solutions

�Knowledge BankingFocus on sunrise sectors of the Indian economy

�Creative TechnologyDelivery of world-class banking solutions

�Service ExcellenceSuperior & Customized products & services

�Responsible BankingMainstream sustainability within business Operations


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Responsible Banking

Vision“YES BANK - Be the Benchmark Financial Institution for

Sustainability”

MissionLink Sustainable Development with stakeholder value creation

through innovative business solutions and services&

Weave sustainability principles into YES BANK’s core business strategy and processes

DeliverablesDeliver Positive socio-environmental Impact—internal and external

Enhance YBL visibility and influence in sustainability space

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YES BANK Stakeholders

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Leading Board member:•ASSOCHAM•FICCI•CII-ITC•TERI

•Board Member of the UNEPFI Banking

Commission steering Committee

•Jointly Developed a Sustainable Finance

model with UNEP – FI

•Sustainability Training – Instituting

internal practices, external initiatives, new

business lines and training/capacity

building

•The Responsible Times – Connect with

employees on sustainable themes a

monthly newsletter is circulated called

‘The Responsible Times’

•Sustainability Series – A knowledge

exchange platform that generates

dialogue between employees,

sustainability practitioners & social

entrepreneurs

•YES COMMUNITY, is the Bank’s

community engagement initiative

wherein all branches serve as ‘choupal’

or knowledge exchange platform for

clients to discuss local social &

environmental issues

•Business partners are screened against

Bank’s Environment & Social Policy (ESP)

which lays down guidelines for business

partner selection

•Engages with Civil Society to develop

well informed content for internal &

external sustainability engagement

programs (Volunteering & YES

COMMUNITY)

•Social Deposit Account, a retail banking

product, is an example of partnering

with civil society, to develop innovative

Banking products

•YES BANK has dedicated teams like

Strategic Initiatives & Government

Advisory (SIGA) , Government

Relationship Management (GRM) &

Responsible Banking that specifically

manage relations with government

bodies through policy advocacy

•Compliant to all RBI &

SEBI regulations,

directives & notifications

•Occasionally collaborates

with regulatory authorities

to host financial literacy

workshops for clients

•Authored numerous

publications in

partnership with premier

academic institutions

•Knowledge reports have

been authored by various

business units

•The Annual Report, the Environmental &

Social Policy, Business Updates as well as

the Shareholding Pattern as of March 31,

2013 have been uploaded on the YES

BANK website (www.yesbank.in)

•Vendor agreement includes a 300 page

document that contains YBL stipulated

clauses on human rights & ethical

business practices

INDUSTRY BODIES

MULTILATERAL ORGANIZATIONS

EMPLOYEES CUSTOMERS & COMMUNITY

BUSINESS PARTNERS

REGULATORSACADEMIAINVESTORS

SUPPLIERS

CIVIL SOCIETY

GOVERNMENT

Approach

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Impacting Environment & society through Innovative solutions

Inclusive & Social Banking

• Approximately 9 million man

hours of productive wage

earning time saved

•$136.29 million worth

transactions in FY201213

•Brought financial services to

rural households



•Extended Financial Inclusion to

over 72000 households

•$1.67 million in savings linked

SHGs & $26.03 million in credit

linked SHGs

•Impacted 3 million low income

borrowers

•In FY201213, MIAG extended

funding to 2 developers & 5

HFCs

IMPACT

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385000 unique Txns

$136.29 million Remitted

16,468 Bank Branches2.13 Million Users

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Inclusive & Social Banking

• Approximately 9 million man

hours of productive wage

earning time saved



•Brought financial services to

rural households



•Extended Financial Inclusion to

over 72000 households

•$1.67 million in savings linked

SHGs & $26.03 million in credit

linked SHGs

•Impacted 3 million low income

borrowers

•In FY201213, MIAG extended

funding to 2 developers & 5

HFCs

IMPACT


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Proactive investments for Environmental & Social Outcomes

• Sustainable Investment Banking (SIB)– Mainstreaming clean technology, water & waste

management investments– Alternate Energy & Environment Advisory – Social Enterprises & Rural Advisory– Knowledge Banking

• IFC PE Fund for Development of North-East India– Improve economic & social conditions of under-developed

North-East Indian States– Focus Sectors: Tourism & Hospitality, Food &

Agribusiness, Infrastructure, Healthcare, Education & Livelihood Creation and Affordable Housing

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Mainstreaming Sustainability amongst stakeholders

YES COMMUNITY

Sustainability Research Initiatives 13

Evangelizing & Influencing• Environmental, Social &

Governance (ESG)– Founder member of Responsible

Investment Research Association(RIRA) to propagate ESG research in Indian context

• Triple Bottom Line Reporting• Natural Capital Initiative

YES BANK’s Associations

Associated Chambers of Commerce (ASSOCHAM)The Banking Codes and Standards Board of India (BCSBI)

Carbon Disclosure Project (CDP)

Clinton Global Initiative (CGI)

Confederation of Indian Industry (CII)

Federation of Indian Chambers of Commerce and Industry (FICCI)Indian Banks’ Association (IBA)

Indian Center for Corporate Social Responsibility (ICCSR)

Indian Institute of Corporate Affairs (IICA)

PHD Chamber of Commerce and Industry (PHDCCI)

Responsible Investment Research Association (RIRA)

The Energy Research Institute – Business Council for Sustainable Development (TERI BCSD)

United Nations Environment Program – Finance Initiative (UNEP-FI)

United Nations Global Compact (UNGC)

US India Business Council (USIBC)

World Economic Forum (WEF)

Mainstreaming Sustainability amongst stakeholders

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Adopting Sustainable Best PracticesWithin

• Environmental & Social Policy• Environmental Management System• Infrastructure Management• Employee Grievance Redressal – My Voice• Technology Initiatives• War on waste –Reduce, Reuse, Recycle

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Reporting on Sustainable Performance

• United Nations Global Compact (UNGC)– First Signatory in India to the UNGC– Moved from Learner’s platform to GC Active level

• Carbon Disclosure Project (CDP)– One of the first signatories to CDP from India– Maintained its “Band A” position & stood a joint 5th

among 57 Indian organizations in 2012

• Global Reporting Initiative (GRI)• United Nations Environment Programme

Finance Initiative (UNEP FI)– Banking Commission Board member

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• Step towards being Carbon Neutral– Material gifting to environment

friendly platform– To support UNEP’s billion tree

campaign & WWF’s Cities for Forests campaigns planted over 8000 trees & gifted over 2,500 e-certificates on behalf of stakeholders

– An approximate offset of 154.48 tons of carbon

Reporting on Sustainable Performance

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• Employee Engagement– YES i CARE– YES CONNECT– Joy of Giving

• Social Deposit Account• Employee Payroll Giving• YES School of Banking• Project Udaan

– Access to employability in affected states of India

Leveraging Human Capital

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YES FOUNDATION

Build “an Empowered and Equitable India”

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YES FOUNDATION

YES FOUNDATION

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In conclusion

Best Practices in Embedding Sustainability inFinancial Institutions

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THANK YOU

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Catalyzing a Shared Sustainable Future Branding - Focus on Service Excellence, Positivity & Growth...

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